N.Y. Insurance Law § 502: Prohibitions

§ 502. Prohibitions. In this state:

(a) With respect to a certificate of insurance evidencing that a

policy provides personal injury liability insurance or property damage

liability insurance, as defined in paragraphs thirteen and fourteen of

subsection (a) of section one thousand one hundred thirteen of this

chapter, no person or governmental entity shall wilfully require, as a

condition of awarding a contract for work, or if a contract has already

been awarded as a condition for work to commence or continue under the

contract, or if the contract has been performed or partially performed

as a condition for payment to be made under the contract, the issuance

of a certificate of insurance unless the certificate is:

(1) a form promulgated by the insurer issuing the policy referenced in

the certificate of insurance; or

(2) a standard certificate of insurance form issued by an industry

standard-setting organization and approved for use by the superintendent

or any other form approved for use by the superintendent.

(b) No person or governmental entity shall wilfully require the

inclusion of terms, conditions or language of any kind, including

warranties or guarantees, that the insurance policy provides coverage or

otherwise sets forth terms and conditions in a certificate of insurance,

if the insurance policy referenced by such certificate of insurance does

not expressly include such terms, conditions, or language. This

subsection shall not prohibit any person or governmental entity from

including minimum insurance requirements, coverage limits, terms, or

other conditions in the solicitation of bids as part of a competitive

process, and it shall not prohibit any person or governmental entity

from requesting, or an insurer or insurance producer from responding to

such a request with, clarification regarding the terms of the policy, or

endorsement thereto.

(c) A certificate of insurance shall not amend, extend, or alter the

coverage provided by the insurance policy to which the certificate of

insurance makes reference. A certificate of insurance shall further not

confer to any person any rights beyond those expressly provided by the

policy of insurance referenced therein.